Free Tool

How Much Life Insurance
Do You Actually Need

Add up what your family would need. Subtract what you already have. What's left is your gap. That simple.

Assumptions
Set these once. They apply to everything below.

Inflation grows what your family needs each year, since prices rise. Return assumes the payout is invested and keeps earning while they draw on it, so you need a bit less than the raw total. Defaults are fine for most people.

1 · Protection needs
What your family would need if your income stopped.
AED
AED
AED
Funeral, final medical bills, estate costs.
AED
Already worked out your education or other costs? Enter the total here.
2 · Protection sources
What you already have to meet it.
AED
Group cover from work plus any personal policies.
AED
Savings and investments your family would draw on.
Cover to arrange
AED0
Your need, minus what you already have.
Your protection needs
Income replacementinflation-adjusted—
Debts, loans and mortgage—
Final expenses—
Goals to fund—
Protection needs—
Protection sources—
Your gap—
Income replacement is your yearly amount grown for inflation over the years you set, then adjusted for what a payout could earn. It's usually the biggest piece, which is why coverage adds up fast.

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